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Paid charge off removed help?

New Visitor

Paid charge off removed help?

Hi all,

so I'm applying for a mortgage with my husband and sadly my scores are lower. My middle score is 613. I need a 620! Well going over my report I noticed that a paid charge off of $18,600 is reported twice from three years ago. Long story short I called chase and that apologized and said they assigned a new account number and forgot to delete old account. They said it would be expedited and removed in 2-5 days. So my question is, if that extra paid charge off falls off my report is there any hope in points increase for my mortgage scores?

Community Leader
Super Contributor

Re: Paid charge off removed help?

Possibly, yes, depending on the rest of your file and if there are other negatives.

Last App: 04/05/2021
Penfed Signature Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

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